“Then I’m sorry but you’re not talking about ABCT, which is entirely about malinvestment.”
Oh also, I am talking about “malinvestment”. The malinvestment stems from producers thinking there is an increase in demand for their retail-store business when consumers use the low interest rates to spend more and save less. Eventually interest rates rise, since there is less real savings in the economy, which prompts consumers to spend less and the malinvestment in retail-stores(or restaurants, anything service-related) is revealed.